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This guide is provided to help you better understand the benefits available to you as a contributing member of the Universities Superannuation Scheme (USS).

This depends on the member‘s individual circumstances when they die. For more information, see the guide or what happens when you die.

If a member wants to take their Retirement Income benefits before the Normal Pension Age, their benefits may be reduced. We’ve listed the reductions that may apply in our guide.

As a member of the Investment Builder, you can choose how your pension contributions are invested. It’s an important choice – one of the key ways to enhance your pension savings between now and your retirement is the return on your investments.

Take a look at our Investment Builder page for more information.

We understand that as a financial adviser, you may need a lot information from us. So we’ve created a handy guide to provide you with the details you need and answer your all-important questions. It covers everything from historic and current member contributions to what happens when a member dies, and lots more.

Register for My USS today to manage your membership online.

There may be instances where you want to make changes to your investment choices or switch from the Do It For Me Option to the Let Me Do It Option (or vice versa). In most cases, you can switch whenever you want (we may charge if you make frequent switches).

Essential details of how the scheme works and what it means to be a member